金融助力托起幸福“夕阳红”

Core Viewpoint - The article emphasizes the importance of enhancing the pension system in China, highlighting the need for financial and fiscal support to improve the quality of elderly care services and address the increasing demand from the aging population [1] Group 1: Demographic Trends and Needs - As of the end of 2023, the elderly population aged 60 and above in China reached 297 million, accounting for 21.1% of the total population, while those aged 65 and above reached 217 million, making up 15.4% [1] - There is a growing urgency among elderly individuals and their families for pension financial services to enhance their quality of life and sense of security [1] Group 2: Current State of Pension Financial Health - The average score of the Family Pension Financial Health Index in China is only 48.56, indicating that families are still in the "accumulation phase" regarding pension financial planning [1] - Families show a tendency to focus on immediate needs rather than future planning, highlighting the necessity for comprehensive efforts in pension financial system construction and product innovation [1] Group 3: Financial Product Development - Financial institutions are encouraged to design simple, understandable, and stable-return pension financial products that cater to the actual needs and risk tolerance of families [2] - There is a need for enhanced investor education to improve understanding and participation in pension financial products, utilizing both online and offline channels for outreach [2] Group 4: Service Optimization and Risk Management - Improving service experiences for elderly clients is crucial, including the establishment of dedicated service areas and the adaptation of digital platforms for easier access [2] - Financial institutions must strengthen internal risk management systems, conduct thorough risk assessments during product innovation, and ensure transparent information disclosure to protect investors' interests [3]